Drip, drip, drip, drip, drip. It was happening, but silent. Hidden in walls. If only the walls could talk. Then they cold have mentioned there was an issue, and we could have avoided the aftermath. But woefully, we do not have talking walls. Instead it was a brown spot on the hardwood floor and some rippled laminate in The Doc’s playroom that alerted us to a problem. Plus a puddle of water on the tile in the downstairs bathroom, that we blamed on JT’s last shower before he left after his Christmas visit, but that returned after being wiped up. After which, we discovered the wall of the cold room full of mold. Crap, crap, crap, crap, crap!


We removed some flooring in the doorway between the hardwood of the family room and the laminate of the playroom. The subfloor was wet. This was a problem that was too big for us–we who have been do-it-yourselfers since day one. This was an issue for our insurance company. The Doc made the call. Him because I tend to jump around and stumble over my words in such situations. Afterwards, I decided check the floor under the piano, which sits against the wall in the family room on the other side of the shower. Shit, shit, shit, shit, shit!


The insurance company sent Mr. S from First On Site, a national clean up company with a good reputation, to take a look. We were very happy that they sent First On Site. Mr. S, showed up with a little device that measured the size of all the rooms and another little device that he pressed against the walls as he walked around our lower level. Beep, beep, beep, beep, beep, went this device. What does the beep mean, I asked. Wet, he replied. Fuck, fuck, fuck, fuck, fuck!
What’s next? we asked.
I will send a report to your insurance adjuster, he replied.
The next day, Mr. D, the insurance adjuster, showed up. As we all know, it is his job to find reasons not to payout insurance claims. Mr. D tried to sooth us with platitudes, such as you purchase insurance for peace of mind. This was said with a big smile and a look of truly believing in his own words. He walked around sizing up our lower level and asking numerous questions before stating that if there was any rot in the subfloor the claim would not be covered by insurance. There were other details referring to the existence of rot such as it meaning that the issue was not new and should have been noticed earlier. Oh if only those walls could have talked.
What’s next we asked.
We’ll get back to you, he replied.
A day or so later, Mr. S, from First On Site called, I am sending in a plumber, he said. We need to find the leak. Based on his last visit and where the water had been and what was currently wet, we were pretty sure that the leak was in the tiled wall behind the shower.
Mr. M, the plumber, was a big fellow with boots the size of placemats. He measured in the bathroom and measured in the family room, then cut a hole in the wall behind the piano to expose the leak. Only one hole and not even a huge hole. And there it was. Drip, drip, drip, drip, drip. Then he took a video. As he repaired the leak, he shared horror stories of other people’s water and insurance issues. Scary stores of entire backs of houses being rotten, and hopeful stories of people fighting the insurance companies and winning. The Doc and I were certainly not up for a fight.
What’s next? we asked.
I will send a report to First On Site, he replied.
And then we crossed our fingers and waited. It took a few days before we learned that they were sending a team out to look for rot. When the team arrived it was a simple task of lifting some of the laminate in the corner of the floor in The Doc’s playroom, an area not far from where the brown spot had appeared on the hardwood floor. We were very, very, very, very, very happy to learn that there was no rot. Phew, Phew, Phew, Phew, Phew!
What’s next? we asked.
Packing up your stuff, bringing in fans, treating for mold, replacing floors and walls where necessary, etc. etc. etc. etc. etc. was the reply.
The timeline for all this is unknown to us. On Monday they called and said they were packing up on Tuesday, so we spent the day packing up some more fragile things, and moving things that we didn’t want packed up and even creating a sizable donation pile. However, they didn’t arrive on Tuesday although we had gotten up early to be prepared. Apparently a couple of their employees tested positive for Covid. We found out when they sent us an email late that morning.

This morning, while we were still in bed and just barely awake, the door bell rang. The Doc headed to the closet for some clothes and I grabbed my housecoat from the hook in the bathroom and headed to the door. Standing there were two representatives from First On Site ready to start packing up our lower-level belongings. Who knew they were coming today? We certainly didn’t. Anyway their job is to pack up the small stuff and prepare for when the movers come to remove everything sometime, unknown to us, in the future.


The one thing they have no plans to move is the piano. I get it, moving a piano is not an easy feat. They wanted to push it into the laundry room. It would need to sit between my washer and my freezer. Opening the door of the front-loading washer would be precarious if at all possible. Trying to get to the freezer would be futile. You have got to be kidding! Sorry but access to both the washer and the freezer is kind of a requirement of my existence. Food and clean underwear are important to me. So instead the poor old piano is going to be moved into the dusty old furnace room. I am thinking a tarp will be necessary, and I am trying to figure out a way to still have my weekly FaceTime piano lessons with JT, because you know as well as I do that this job is going to take some time. It has already been three weeks since we made the call. On the plus side, it is all being covered by our insurance. Yay, yay, yay, yay, yay.
Thank you for reading
Photos: Jenn Stone
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Oh I am so pleased for you that the insurance are paying.
When I was still with my husband in the house that I miss more than I miss him. We had a leak in our loft. We discovered that the towels and bed linen in the airing cupboard were wet. Then there was the wet patch on the wall of the bedroom next to it. Our insurance company were very good and sent an assessor very quickly. They sent a plumber, who inspected our water tank only to discover that the last plumber who had fixed our heating hadn’t tightened a nut on a pipe enough. We were paid pretty quickly for the redecorating that needed doing.
Compared to your drip ours was minor and easily put right.
I hope you won’t be inconvenienced for too long. X
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Thanks. When you know someone else is going to pay and do the work, it makes it a whole lot easier to live with any inconvenience.
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I realize that stories like this one are part and parcel of owning a house, but they also make my stomach knot. I hate house problems [I can’t imagine anyone does] and hope yours are fixed soon and perfectly. But all that packing…
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Honestly I am surprised by the fact that I haven’t really been stressed about all this. I didn’t stress until I was trying to get my husband, who leaves hates to get rid of anything, to sort through his stuff.
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glad to hear that insurance will be covering all the costs. and it sounds like you have some good contractors woeking on the job. hopefully your house will be back to normal in no time…
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The old guy and I are survivors. He will miss his playroom and I will miss nights watching TV by the fire, but really, we are feeling very lucky that it is all being taken care of.
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So sorry. What a nightmare! I’m kind of surprised they send someone to pack for you, that must be good insurance. Glad the damage wasn’t too extensive.
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It is nice to have someone do the packing. I don’t know why but at this stage in my life It doesn’t feel nightmarish. I just figured it was something else that we would get through.
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Oh, crap, what a hassle! It’s great that there is no rot and that the insurance company will be paying for it,, but really? Those insurance companies are getting shadier and shadier.
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At this point in my life it is easy to think that things could have been so much worse. That was actually the first time we ever put in a claim. We were relieved that they are covering all of it. And happy not to have to do any of the work.
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Sorry you have to deal with this, Jennifer. Fantastic news that your insurance is paying for everything, though. Hang in there.
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Thanks. It hasn’t been too bad and The worst is behind us.
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I didn’t anticipate a happy ending. Insurance companies usually ensure aggravation.
Our water meter was running nonstop, meaning that we had a leak somewhere. Talk about looking for a needle in a haystack. We called a plumber who crawled under the house but couldn’t find any evidence of a leak. We had to hire a specialist ($450) who ran gas through the pipes to detect the leak. He found it within 15 minutes. He found it underground connected to our sprinkler system. Since we rarely used the sprinkler system, we just had him seal the leaky pipe. It’s one of those situations where you envision thousands of dollars of damage, but instead, you’re so relieved to pay hundreds.
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You have to love a happy ending. We are very happy about ours. It would have been very expensive if we had to pay ourselves.
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I’m glad the insurance decided to cover you. It must have been awful. But you sounded to be able to get help quickly – I wish I could say the same about Broken Britain! My 93 year-old mother has just been without heating in January for 2 weeks because I couldn’t get anyone to attend. Some of them said they would but then they just kept on not turning up.
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We were glad also. That’s terrible about your mom. We have similar issues here at times. This went fast because the insurance company is assigning the work.
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but insurance companies are usually very, very slow!
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That’s terrible with the water pipes destroyed the flooring. Hopefully the insurance will pay for the renovation.
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Yes I am happy to sat that. they are.
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